Single Family Home Act

Economy
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I would like to see the Trump administration tackle is the cost of owning a home. Over the past 5 years we have seen prices on single family homes raise between 20-70% depending on region. While there has been little to no change to these homes other than age. Single Family homes are skyrocketing in value.
One of the primary contributors to the rising home values is Private Equity, Large Investors and Investment groups buying large quantities of Single Family homes and artificially keeping their values high. In addition, these groups use their own pricing algorithms and websites to set prices above real market value.

It is estimated Private Equity will own a majority of single family homes by 2030. Assuming the problem is not addressed.

How we should address this:

  • Ban pricing algorithms for homes & rent.
  • Private Equity and subsidiaries, Corps, S-Corps, LLCs, Investment Firms, etc… no longer qualify for tax benefits or credits for anyone who owns more than $2 Million asset value in single family homes.
  • A Divestment period shall be granted to Hedgefunds, PE firms, etc… until Jan 1st 2027. Any single family homes still owned by such firms will be penalized by $100,000 per home or dwelling (2500 sqft or less) that exceeds $2MM in asset value or 3 Dwellings (whichever greater).
  • Homes that are purchased by a PE firm & subsidiaries, which square footage (sqft) exceeds 2500 sqft will be subject to a one time tax of 30% of that homes actual cash value.
  • Homes 2500 sqft or less purchased by an LLC for the purpose of a rental property will be subject to an additional 5% property tax. (Per home)
  • LLCs, S-Corps, Corps, etc… must disclose whether they are a subsidiary or owned by a investor, investment group, or PE Firm. Failure to do so will result in 3-years in Prison or up to a $100,000 fine, or both. This penalty will apply to the individual whose name is under the ownership of such LLC.
  • Banks can no longer lend more than $1MM to in cash for the purchase of dwellings & homes 2500 sqft or less. Private Individuals will have no limit.
  • When listing a home for sale the seller must disclose if the property is owned by a corporation, developer, or private equity firm, etc…
  • Likewise when buying a home the buyer must disclose in writing they are purchasing the home by ‘ABC-Corp’.
  • Insurers charging excessive fines & fees upon binding, renewal, or upon audit. Will be subject to a $10,000 per penalty.
  • Insurance Companies can no longer use drone surveillance and photography without the consent of the home owner. An insurer must give 30-day written notice to the insured, must have consent after written notice.
  • Homes owned by foreign nationals or investors shall no longer be able to purchase any homes within 500mi of a DoD base of operation. Or Any farmland within the dominion or control of the United States Government unless approved governing state body.
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The rising costs of single-family homes have made homeownership increasingly unattainable for many families. To address this, we should consider several key actions that could help stabilize the market and promote affordable housing.

First, we need to halt stock market investments in single-family homes. Allowing corporations like BlackRock, Vanguard, and State Street to dominate this market only exacerbates the affordability crisis. By banning corporate purchases of single-family homes or limiting to no more than 5 percent of available housing in each geographic area—except when they are made available as a benefit to employees—we can prioritize individual homeowners over institutional investors.

Additionally, implementing a cap on rental properties within a specific area could drastically improve accessibility. Limiting ownership to no more than 20% of single-family homes for rental purposes allows for a balanced community where families can thrive. Exceptions around government and military installations—up to 50%—can accommodate the unique housing needs of those serving our country.

Furthermore, reasonable government actions, such as existing loan subsidies and other support mechanisms, can also play a significant role in enhancing homeownership opportunities. By promoting a more equitable housing market, we can ensure families have the chance to invest in their futures and build stable communities.

Together, these measures can create a healthier housing market that benefits everyone and fosters sustainable homeownership.

The percentages should be reviewed by CBO and adjusted by CBO to ensure availability of non-corporate property ownership of homes remains a part of the American Dream.

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This should be expanded to all governmental buildings and critical infrastructures not just DoD

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